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Refuse to replace entire suite

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My three piece suite will never look the same with just one chair replaced. Why won't they replace the whole suite?

The simple answer is that the insurer is only obliged to compensate for goods that have themselves been damaged, not for the "consequential loss" which you suffered as a result of the fact that the chair formed part of the suite and that the suite does not now look the same. It is possible to take out insurance which would cover that additional loss, but that would mean paying more premiums.